What is cross-border banking?

Cross-border banking is an easy way to manage your money between the U.S. and Canada. Whether you travel, live, work, or shop across the border, see how TD’s Cross-Border Banking solutions can help you make the most out of your U.S. dollars.

Benefits of TD Cross-Border Banking

  • Convenience

    Stay connected to your finances with easy access to your U.S. and Canada-based bank accounts through EasyWeb or the TD app.

  • Customer service

    Call the TD Cross-Border Banking support line, available 24/7.1

  • Quick online exchange

    Use EasyWeb or the TD app to transfer funds between your TD Canada Trust Canadian and U.S. Dollar accounts.


Cross-border banking solutions

Make U.S. banking simpler with a U.S. dollar account, so you can spend more time enjoying your visit.

  • A premium account designed for frequent U.S. travellers.

    • Unlimited transactions per month2
    • Preferred foreign exchange rates on U.S. dollars3
    • $4.95 U.S. monthly fee4
    • No monthly fee with a minimum monthly balance of $3,000 U.S.5
  • A U.S. dollar account with no monthly fee.



    • $0 monthly account fee
    • No transaction fees with a minimum monthly balance of $1,500 U.S.6
    • Transfer funds between Canadian and U.S. accounts
    • Earn daily interest on every U.S. dollar
  • This is a checking account from TD Bank, America’s Most Convenient Bank ®, made for long-term or frequent short-term travellers to the U.S.

    • Monthly maintenance fee can be waived in three ways7
    • $0 minimum opening deposit
    • One free linked personal savings account

    TD Bank, N.A. Member FDIC

    Account can only be opened in a TD Bank, America’s Most Convenient Bank® location.

Credit Cards

Make purchases in U.S. dollars without worrying about currency conversion fees.

TD U.S. Dollar Visa* Card

  • $39 USD annual fee (rebated with Borderless Plan)8
  • No foreign currency conversion fees when you shop or pay for bills in U.S. dollars9
  • Use Apple PayGoogle Pay, or Samsung Pay to make secure purchases

More cross-border banking features

U.S. mortgages

Thinking about buying or owning property in the U.S.? Whether it’s a second home, investment property, or vacation getaway, TD’s Cross-Border home lending team can help guide you every step of the way.


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